I recently applied for a Capital One card, and used the "upload image" option so I could personalize the image on my card. Above is the image I uploaded, which I do have the rights to, since I drew it. Then I received the following message from Capital One:

Sorry, we were unable to approve the image you submittedThe image you submitted for your Capital One Image Card has been rejected. We will not approve any images that contain the following:Libelous, defamatory, sexually explicit, or other content we deem offensive, including discrimination, "hate speech," or socially unacceptable groups (gangs).If you believe that you have been declined in error, please call us at...

I seriously doubt the crying baby dwarf bear would be deemed hateful or socially unacceptable, and he certainly not in a gang. His penis is not visible, and the Skelebunny doesn't have genitalia. The mummified heads in the ice cream cone don't seem to fit any of the forbidden categories, either. Unless there is a baby dwarf bear working at Capital One who objected to my portrayal of his kind as being defamatory, I believe they declined the image in error.
I called the number, explained my case, and the helpful employee giggled, apologized, and wrote up a counter-claim or something. When I told her I actually drew the image and have the right to use it, she asked if I had a website, and took that down. Maybe I'll end up with a new fan because of this. Or else they'll blacklist me from ever getting credit with them again. Because of the offended baby dwarf bears on their payroll.